The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$97,384
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,414
−HK$3,077/mo
Today · 4.125%
HK$103,491
baseline
▲ 0.50% · 4.625%
HK$109,788
+HK$6,297/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,982/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,339
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,245
−HK$2,947/mo
Today · 4.125%
HK$114,192
baseline
▲ 0.50% · 4.625%
HK$120,212
+HK$6,020/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,384/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,861
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,496
−HK$3,693/mo
Today · 4.125%
HK$124,189
baseline
▲ 0.50% · 4.625%
HK$131,746
+HK$7,557/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,378/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,007
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,494
−HK$3,537/mo
Today · 4.125%
HK$137,031
baseline
▲ 0.50% · 4.625%
HK$144,254
+HK$7,223/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$274,062/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,338
−HK$8,550/mo
▼ 0.25% · 3.875%
HK$140,579
−HK$4,309/mo
Today · 4.125%
HK$144,888
baseline
▲ 0.50% · 4.625%
HK$153,704
+HK$8,816/mo
Deposit HK$12.81M · loan HK$29.90M · min. income ≈ HK$289,776/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,675
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$155,743
−HK$4,126/mo
Today · 4.125%
HK$159,869
baseline
▲ 0.50% · 4.625%
HK$168,296
+HK$8,427/mo
Deposit HK$12.81M · loan HK$29.90M · min. income ≈ HK$319,738/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,292
−HK$10,992/mo
▼ 0.25% · 3.875%
HK$180,744
−HK$5,540/mo
Today · 4.125%
HK$186,284
baseline
▲ 0.50% · 4.625%
HK$197,619
+HK$11,335/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$372,568/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,010
−HK$10,536/mo
▼ 0.25% · 3.875%
HK$200,241
−HK$5,305/mo
Today · 4.125%
HK$205,546
baseline
▲ 0.50% · 4.625%
HK$216,381
+HK$10,835/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$411,092/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,075 · Scale 2, in force from 26 Feb 2026)